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I wouldn't mind having a crack at making one myself (obviously not to the calibur of the ones you guys making for us).
Are you guys just using Photoshop?

I guess PS offers the most of possibility of effects...
But you can create really good images with The Gimp
which is freeware...
I often use it too.
Some of us use "Corel" which is really cheaper than PS but i don't know well possibilities...